They Canceled Your Coverage. Now What?

If you’re facing the FAIR Plan or searching for any carrier who’ll write a policy, you’re not alone. And there may be more options than you realize.

The Reality You’re Facing

$28 billion in wildfire damages in 2024. Major carriers fleeing high-risk areas. Non-renewals hitting homeowners who’ve never filed a claim. If you’ve received a cancellation notice, you know the feeling: shock, then anger, then the scramble to find alternatives. The options aren’t good.

The FAIR Plan Trap

California’s FAIR Plan is the “insurer of last resort.” Here’s what that actually means: – Premiums: Often 3-5x higher than standard coverage – Coverage Limits: Maximum $3 million (many high-value homes exceed this) – Coverage Gaps: Fire and smoke only – you’ll need separate policies for liability, theft, water damage – The Liability Problem: If your property is underinsured and a fire spreads from your land, you could be personally liable for damages to neighbors The FAIR Plan isn’t insurance – it’s a last resort that leaves you exposed.

What Insurance Carriers Actually Want to See

Insurance is about documented risk reduction. Carriers want evidence that your property represents a better risk than their models suggest. What moves the needle: – Active suppression systems (not just hardening) – 24/7 monitoring capabilities – Documented system specifications – Professional engineering certification – Maintenance and monitoring contracts FyreShield provides documentation packages designed for insurance discussions. We can’t guarantee carrier decisions, but we can give you the strongest possible case for risk reduction.

Your Options

Path 1: Protect First, Document Second
Install FyreShield for the protection itself, then use the documentation to pursue better insurance terms.

Path 2: Documentation Package First
We can provide a detailed assessment and proposed system specification that you can share with carriers before installation.

Path 3: Learn More First
Schedule a call to discuss your specific situation. No commitment, just information.

Discuss Your Insurance Situation